What You Need to Know About Payments on OnlyFans

Creators post their content on OnlyFans because of the unlimited earning potential the platform provides. While OF makes it fairly simple to withdraw payments, it is important to be informed of the process so you can post, share, and engage confidently. Get paid smoothly with this crash course on OnlyFans payments.

Setting Up Your Payment Method

The first and most important step to facilitate a smooth payment process on OnlyFans is setting up your account. There are several withdrawal options, but the most popular are direct deposits to a bank account or e-wallet. Make sure that you input your account details correctly and follow the instructions for verification. To protect against identity fraud, OnlyFans will ask for a picture of your photo ID. They may request additional information, so keep an eye out for any emails from the OF customer support team.

Understanding Withdrawal Criteria

OnlyFans allows creators to withdraw their earnings as many times as they want. However, your wallet must have a minimum balance of $20. The platform only operates in US dollars (USD), so keep that in mind if you are converting to another currency. You cannot withdraw less than $20. OnlyFans justifies this limit as a way to protect creators against fraud, and it also helps cut down on processing fees.

When you earn money on OnlyFans – whether through subscription fees or content purchases – there is a brief holding period. You will notice your earnings will be listed as pending for up to ten business days. Once that processing time has ended, the funds will be transferred to your OnlyFans creator wallet. Then, that money is eligible for withdrawal (as long as it is over $20).

There is also an option to set up automatic withdrawals so you can get payments sent directly to your account without having to do any extra work. 

OnlyFans Platform Fees

It is free to set up your OnlyFans account. The platform makes money by keeping a percentage of all creator earnings. The commission fee is 20%. This charge is automatically withheld before your earnings are transferred to your wallet. You do not have to worry about paying the fees yourself. 

While it can be frustrating to lose some of your income to platform fees, that is the cost of doing business on a fan site. The commission money is used to offset the cost of maintaining the platform, with a good chunk of the money going towards privacy, security, and customer service.

OnlyFans Payments Terms and Conditions

The main rule to remember with OnlyFans payments is that all transactions related to your content need to be processed through the platform. A mistake many creators make is accepting money through another app like Cash App, PayPal, or Venmo. If you sell exclusives or cam girl services, you will have to fulfill that request off of OnlyFans. That is okay, but you need to make sure the transaction still goes through OnlyFans. If the platform learns that you are promoting services on OF but taking money directly from subs, your profile will be banned. The only way OnlyFans makes money is through their platform fees, so any violation of that policy is not tolerated.

Troubleshooting Common OnlyFans Payment Issues

For the most part, creators don’t have issues requesting withdrawals and receiving their money from OnlyFans. If you encounter a problem, it is likely easily remedied by following these steps. 

Your Withdrawal Was Denied

If you request a withdrawal from OnlyFans and it is denied, there are two main reasons. The first is that your account is suspended, banned, or inactive. If you learn that it is the problem, you need to contact customer service to reactivate your account. The second most common reason is that your balance is below the minimum withdrawal amount of $20. 

Your Withdrawal Was Processed, But You Don’t See the Money in Your Account

OnlyFans states that withdrawals to a bank account are processed the fastest. However, it is normal to have to wait several business days to get your money. If more than seven business days have passed and you still don’t have your money, contact customer service right away. There could have been a glitch with the payment system, or they may need additional verification from you, especially if it is your first time withdrawing your creator funds. 

It is also important to note that the payment will show up in your account as “Fenix International Limited.” So, if you are looking for a deposit from OnlyFans, that might be why it seems like you are missing money!

You Received Less Money Than You Expected

If you process a manual withdrawal, you will get the exact amount of money requested. However, if your profile is set to automatic withdrawals, the deposit amount will vary based on how much money was in your creator wallet. When creators first start earning on OF, they often forget about the platform fees. Remember, your earnings will always be 20% less than the total transactions processed through your page. 

OnlyFans Payments Tips and Tricks

Overall, OnlyFans has a very intuitive payment processing system. Check out these helpful tips to take the stress out of earning and guarantee you are getting paid smoothly!

USD – OnlyFans operates in US dollars only.

Taxes – OnlyFans does not reserve income taxes. You will need to file as an independent contractor and pay your tax bill directly. Consider setting up a savings account just for taxes so you aren’t scrambling to pay at the end of the year.

Identify Verification – OnlyFans is fairly secure, and much of that comes from their payment verification system. Follow all the required steps and keep a keen eye on your creator wallet. The second you notice a problem, contact customer service for assistance.

Limitations & Wait Times – You can withdraw as many times as you want, but you must request at least $20 at a time. Additionally, there is a processing time from when the initial transaction is captured to when your earnings are available for withdrawal. It can take several days for the money to hit your account after initiating a withdrawal.

Platform Fees – Plan for OnlyFans’ 20% commission by setting your prices to accommodate that loss. For example, if your monthly subscription fee is $10, be aware that you will only see $8 of that money. To increase your earnings, you may want to consider raising your prices to offset the platform fee. 

Get Paid Smoothly on OnlyFans

Getting paid on OnlyFans is straightforward once you understand how the system works. By verifying your identity, meeting the minimum withdrawal requirements, and keeping tabs on your wallet balance, you can avoid common pitfalls and receive your funds without delay. Always remember to factor in platform fees, stay within the terms of service, and keep your financial records organized for tax season. With a bit of preparation and attention to detail, you’ll be able to manage OnlyFans payments smoothly and securely.

Compare the fees of the most popular fan sites and decide which platform is best for you! From

Content Creation Platforms: A Fee Comparison Guide

The list of popular fan sites all charge platform fees. While most follow the standard practice of 20%, there are some exceptions. Discover the best place to post your content and optimize your earnings. 

OnlyFans

Platform Commission: 20%

OnlyFans gives creators all of the earning power. Each model sets their own pricing for subscription fees, PPV content, and exclusives. While creators are free to set rates, OnlyFans does set maximum and minimum pricing parameters per content type.

• Subscriptions:
• PPV:
• Exclusives:

OnlyFans payments are collected in your Creator Fund. Earnings are available for withdrawal after eight days. The platform retains 20% of all earnings as a commission service fee. This withholding ensures the security & privacy of the fansite, covers website maintenance and employs support staff. Creators can opt for automatic transfers to their bank account or initiate manual withdrawals. The minimum withdrawal amount on OnlyFans is $20, and there is no limit to the number of withdrawals you make.

In addition, OnlyFans has introduced a referral program for fans. Your fans can recommend content to other users for a small commission fee paid by the platform. Creators don’t pay referral commissions, making it a win-win for everyone on the platform. Fans can make some extra money, and you get a larger audience for free!

LoyalFans

Platform Commission: 20%

Content creators on LoyalFans sell individual pieces of media. Unlike OnlyFans, LoyalFans does not support subscriptions. Fans pay per post, and creators can charge between $1 and $50 per piece of content.

LoyalFans charges a 20% commission on all content sales. The creator keeps the remaining 80%. The platform runs a similar referral program to OnlyFans and covers payouts on behalf of the creator. 

JustForFans

Platform Commission: 15%-20%

JustForFans is a tiered subscription service modeled after Patreon. Creators can offer different subscription options at different prices. The longer the subscription (e.g., a 6-month vs. 1-month), the better the content. Each tier can start at $4.99 and go up to $14.99. 

Creators are charged a 20% commission fee on all earnings. However, signing an Exclusive Performer Agreement reduces that service charge. JustForFans Exclusive Performers only create content on that platform. That means you cannot have profiles on OnlyFans or any other fan site. The perk of creating only on JustForFans is a reduced commission fee of 15%, meaning Exclusive creators keep a whopping 85% of all earnings.

FanCentro

Platform Commission: 20%

FanCentro is another tiered subscription site. Creators can set varying rates for different levels of subscriptions. In addition, models can customize tip requests to entice fans to spend more money. FanCentro charges a standard 20% commission fee on all fan payments. The remaining 80% is paid out to the creator.

ModelHub

Platform Commission: 5%-35%

ModelHub is an offshoot of PornHub. This fansite offers various ways for adult content creators to earn money. A commission fee is charged for each type of content.

• Fan Club—ModelHub content creators can join FanClub, a subscription-based content option. Models set subscription fees between $0.99 and $99 per month, and creators pay a 20% fee on all earnings through Fan Club.
• Downloaded Content – Creators can offer downloadable content on ModelHub. Fans pay per piece of downloadable content. Models retain 65% of all sales, paying out a 35% commission fee to ModelHub.
• Streaming Videos – ModelHub charges creators roughly $0.60 per 1,000 video views. Models can expect to keep 80%-95% of their earnings from videos posted on the platform.
• Exclusivity – ModelHub offers an Exclusivity creator club that earns models an extra 5%. However, the details of this agreement include the free posting of some videos.

Fansly

Platform Commission: 20%

Fansly is a subscription-based service that puts creators into different tiers based on quality of content, popularity, and experience. Creators who are new to the platform can offer free subscriptions to start building a fan base. Lower-tiered subscriptions are priced between $5-$15 per month. Higher-tiered creators in the ‘Diamond’ or ‘VIP’ category charge upwards of $200 per month.

All earnings on Fansly are charged a 20% commission rate. Regardless of creator tier or type of fan payment, you keep 80% of the money. 

LoverFans

Platform Commission: 20%-40%

LoverFans gives creators the option to sell at different subscription levels based on the type of content produced.

• Video & Image Sales: Video and image sales are charged a 40% commission, with 60% of earnings going to creators.
• Shop Sales: Creators with a subscription package under Show Sales keep 70% of their earnings, losing 30% to platform service fees.
• Subscriptions & Tips: Subscriptions and tips are the most lucrative option for creators on LoverFans. These earnings are charged only 20% for commission fees.

Why do Content Creation Platforms Charge Fees?

As an adult content creator, you put a lot of effort into the media you produce. Losing a portion of your income to platform fees can be disheartening. However, every fan site has a service charge or commission creators must pay. Why do content creation platforms charge fees, and where does that money go?

Building/Creating the Platform

Keeping fan sites running is no small task. From implementing secure payment methods to creating user-friendly dashboards, a lot of work goes into building and maintaining platforms. Service fees or earnings commissions cover the cost of hosting and running the fan site. 

Security

Plagiarism is a major concern for content creators. Their income relies solely on users buying videos, images, or services. Therefore, it is really important that the media is protected from piracy. Fan sites spend a lot of money on website security to protect content creators.

Opportunity & Convenience

Joining and posting on an established platform greatly increases your opportunity for success as an adult content creator. Your profile is visible to all of its users, and you have a safe and lucrative avenue to make money off your content. The platform handles payment collection, site security, and web services, so all you have to do is post! However, the accessibility and convenience of these platforms come at a price.

Content Creation Platform Fees – Frequently Asked Questions

How Much Do Content Creation Platforms Charge?

While fees vary from fan site to fan site, the average commission or service charge is 20%. So, creators can expect to keep 80% of their earnings and pay the remaining balance to the platform. Service fees or commissions help keep the platform running, pay for support staff, and protect creators against plagiarism.

How Are Platforms Fees Billed?

Fansites take service charges directly out of your earnings as a content creator. You will never see a bill for commissions. The fee is calculated on every transaction and automatically removed. For example, if you charge $15 per month for a subscription to OnlyFans, you will only see $12 in your creator wallet. The other $3 is captured by OnlyFans as commission before the funds are available for withdrawal.